The top-rated 2024 Commercial Health Plan in NY, competitive products, hands-on support and an enhanced national and local network. Whether you’re a small group or a large group employer, we’re committed to ensuring you’re supported. A healthier business. That’s the RedShirt® Treatment.
Independent Health was rated 5 out of 5 in NCQA's Commercial Health Plan Ratings in 2023 and 2024.
The plans shown below represent our 2025 Q4 Small Group plans. Download a printable version here.
To view our 2025 Q3 plans and rates, click here.
| FlexFit Platinum |
|---|
2025 Q4 |
| Employee Rate $990.41 |
| Employee and Child(ren) Rate $1,683.70 |
| Employee and Spouse Rate $1,980.82 |
| Family Rate $2,822.67 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $10/$40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $250 |
| Pharmacy1 $5/$30/50% |
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| FlexFit Platinum Option 2 |
|---|
2025 Q4 |
| Employee Rate $1,013.65 |
| Employee and Child(ren) Rate $1,723.21 |
| Employee and Spouse Rate $2,027.30 |
| Family Rate $2,888.90 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $10/$25 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $250 |
| Pharmacy1 $5/$30/$100 |
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| Passport Plan National Platinum |
|---|
2025 Q4 |
| Employee Rate $1,436.82 |
| Employee and Child(ren) Rate $2,442.59 |
| Employee and Spouse Rate $2,873.64 |
| Family Rate $4,094.94 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $15/$45 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $200 |
| Pharmacy1 $5/$30/50% |
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| Passport Plan Local Platinum3 |
|---|
2025 Q4 |
| Employee Rate $1,294.71 |
| Employee and Child(ren) Rate $2,201.01 |
| Employee and Spouse Rate $2,589.42 |
| Family Rate $3,689.92 |
| First Dollar Coverage N/A |
| In-Network Deductible $0 |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $15/$45 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) $500 |
| Emergency Room Services $200 |
| Pharmacy1 $5/$30/50% |
Show Benefits + |
| Activate Gold |
|---|
2025 Q4 |
| Employee Rate $808.40 |
| Employee and Child(ren) Rate $1,374.28 |
| Employee and Spouse Rate $1,616.80 |
| Family Rate $2,303.94 |
| First Dollar Coverage $750/$1,500 |
| In-Network Deductible $1,500/$3,000 (E) |
| In-Network Coinsurance 25% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $20/$50 Copayment after first dollar and deductible |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) 25% Coinsurance after first dollar and deductible |
| Emergency Room Services 25% Coinsurance after first dollar and deductible |
| Pharmacy1 $10/25%/50% after first dollar and deductible |
Show Benefits + |
| Standard Healthy NY Gold2 |
|---|
2025 Q4 |
| Employee Rate $733.06 |
| Employee and Child(ren) Rate $1,246.20 |
| Employee and Spouse Rate $1,466.12 |
| Family Rate $2,089.22 |
| First Dollar Coverage N/A |
| In-Network Deductible $600/$1,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $150 |
| Pharmacy1 $10/$35/$70 |
Show Benefits + |
| iDirect Gold Copay |
|---|
2025 Q4 |
| Employee Rate $868.69 |
| Employee and Child(ren) Rate $1,476.77 |
| Employee and Spouse Rate $1,737.38 |
| Family Rate $2,475.77 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,250/$2,500 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 $10/$40/$100 |
Show Benefits + |
| iDirect Gold Copay Option 3 |
|---|
2025 Q4 |
| Employee Rate $871.79 |
| Employee and Child(ren) Rate $1,482.04 |
| Employee and Spouse Rate $1,743.58 |
| Family Rate $2,484.60 |
| First Dollar Coverage N/A |
| In-Network Deductible $600/$1,200 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $25/Deductible then $40 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $250 |
| Pharmacy1 $10/$35/50% |
Show Benefits + |
iDirect Gold Copay HSAQ  |
|---|
2025 Q4 |
| Employee Rate $820.91 |
| Employee and Child(ren) Rate $1,395.55 |
| Employee and Spouse Rate $1,641.82 |
| Family Rate $2,339.59 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,650/$3,300 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $20/Deductible then $50 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $750 |
| Emergency Room Services Deductible then $200 |
| Pharmacy1 Deductible then $10/$40/50% |
Show Benefits + |
|
Passport Plan National Gold HSAQ |
|---|
2025 Q4 |
| Employee Rate $1,119.95 |
| Employee and Child(ren) Rate $1,903.92 |
| Employee and Spouse Rate $2,239.90 |
| Family Rate $3,191.86 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,650/$3,300 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
|
Passport Plan Local Gold HSAQ3 |
|---|
2025 Q4 |
| Employee Rate $1,010.71 |
| Employee and Child(ren) Rate $1,718.21 |
| Employee and Spouse Rate $2,021.42 |
| Family Rate $2,880.52 |
| First Dollar Coverage N/A |
| In-Network Deductible $1,650/$3,300 (T) |
| In-Network Coinsurance Deductible then 20% |
| Primary Care/Specialist Office Visit Deductible then 20% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 20% |
| Emergency Room Services Deductible then 20% |
| Pharmacy1 Deductible then $10/20%/50% |
Show Benefits + |
| Activate Silver |
|---|
2025 Q4 |
| Employee Rate $720.31 |
| Employee and Child(ren) Rate $1,224.53 |
| Employee and Spouse Rate $1,440.62 |
| Family Rate $2,052.88 |
| First Dollar Coverage $500/$1,000 |
| In-Network Deductible $3,100/$6,200 (E) |
| In-Network Coinsurance 40% Coinsurance after first dollar and deductible |
| Primary Care/Specialist Office Visit $35/$60 Copayment after first dollar and deductible |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) 40% Coinsurance after first dollar and deductible |
| Emergency Room Services 40% Coinsurance after first dollar and deductible |
| Pharmacy1 $15/40%/50% after first dollar and deductible |
Show Benefits + |
| iDirect Silver Copay |
|---|
2025 Q4 |
| Employee Rate $776.08 |
| Employee and Child(ren) Rate $1,319.34 |
| Employee and Spouse Rate $1,552.16 |
| Family Rate $2,211.83 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,000/$4,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $60 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 $15/$50/50% |
Show Benefits + |
| iDirect Silver Copay Option 2 |
|---|
2025 Q4 |
| Employee Rate $785.33 |
| Employee and Child(ren) Rate $1,335.06 |
| Employee and Spouse Rate $1,570.66 |
| Family Rate $2,238.19 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,100/$4,200 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $30/Deductible then $65 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,500 |
| Emergency Room Services Deductible then $500 |
| Pharmacy1 $15/$40/$125 |
Show Benefits + |
|
iDirect Silver Copay HSAQ |
|---|
2025 Q4 |
| Employee Rate $765.66 |
| Employee and Child(ren) Rate $1,301.62 |
| Employee and Spouse Rate $1,531.32 |
| Family Rate $2,182.13 |
| First Dollar Coverage N/A |
| In-Network Deductible $2,000/$4,000 (T) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $35/Deductible then $60 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $1,000 |
| Emergency Room Services Deductible then $300 |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Silver Coinsurance HSAQ |
|---|
2025 Q4 |
| Employee Rate $713.82 |
| Employee and Child(ren) Rate $1,213.49 |
| Employee and Spouse Rate $1,427.64 |
| Family Rate $2,034.39 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan National Silver HSAQ |
|---|
2025 Q4 |
| Employee Rate $1,014.74 |
| Employee and Child(ren) Rate $1,725.06 |
| Employee and Spouse Rate $2,029.48 |
| Family Rate $2,892.01 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
Passport Plan Local Silver HSAQ3 |
|---|
2025 Q4 |
| Employee Rate $916.26 |
| Employee and Child(ren) Rate $1,557.64 |
| Employee and Spouse Rate $1,832.52 |
| Family Rate $2,611.34 |
| First Dollar Coverage N/A |
| In-Network Deductible $3,000/$6,000 (T) |
| In-Network Coinsurance Deductible then 25% |
| Primary Care/Specialist Office Visit Deductible then 25% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 25% |
| Emergency Room Services Deductible then 25% |
| Pharmacy1 Deductible then $15/$50/50% |
Show Benefits + |
|
iDirect Bronze Coinsurance HSAQ |
|---|
2025 Q4 |
| Employee Rate $631.68 |
| Employee and Child(ren) Rate $1,073.86 |
| Employee and Spouse Rate $1,263.36 |
| Family Rate $1,800.29 |
| First Dollar Coverage N/A |
| In-Network Deductible $5,600/$11,200 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
iDirect Bronze MV HSAQ |
|---|
2025 Q4 |
| Employee Rate $620.02 |
| Employee and Child(ren) Rate $1,054.03 |
| Employee and Spouse Rate $1,240.04 |
| Family Rate $1,767.06 |
| First Dollar Coverage N/A |
| In-Network Deductible $8,050/$16,100 (E) |
| In-Network Coinsurance 0% |
| Primary Care/Specialist Office Visit Deductible then $0 |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then $0 |
| Emergency Room Services Deductible then $0 |
| Pharmacy1 Deductible then $0 |
Show Benefits + |
|
Passport Plan National Bronze HSAQ |
|---|
2025 Q4 |
| Employee Rate $897.61 |
| Employee and Child(ren) Rate $1,525.94 |
| Employee and Spouse Rate $1,795.22 |
| Family Rate $2,558.19 |
| First Dollar Coverage N/A |
| In-Network Deductible $5,600/$11,200 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
|
Passport Plan Local Bronze HSAQ3 |
|---|
2025 Q4 |
| Employee Rate $810.32 |
| Employee and Child(ren) Rate $1,377.54 |
| Employee and Spouse Rate $1,620.64 |
| Family Rate $2,309.41 |
| First Dollar Coverage N/A |
| In-Network Deductible $5,600/$11,200 (E) |
| In-Network Coinsurance Deductible then 50% |
| Primary Care/Specialist Office Visit Deductible then 50% |
| Telemedicine - General Medical and Behavioral Health Services (participating Teladoc® providers only) For Dermatology telemedicine, refer to the plan's benefit summary Deductible then $0 |
| Inpatient Hospital Services (per admission) Deductible then 50% |
| Emergency Room Services Deductible then 50% |
| Pharmacy1 Deductible then 50% |
Show Benefits + |
